Side-by-side · Q2 2026 data
Cheney Federal Credit Union vs Spokane Firefighters Credit Union
Credit union
Spokane Firefighters Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Cheney Federal Credit Union | Spokane Firefighters Credit Union |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 50 | 95 (stronger) |
| Loan quality | 82 | 95 (stronger) |
| Earnings | 44 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 48th | 83rd |
| Total assets | $147.9M | $86.4M |
| Deposits / shares | $131.8M | $73.2M |
| Capital ratio | 10.01% | 14.51% (stronger) |
| Problem loans | 0.55% | 0.15% (stronger) |
| Net charge-offs | 0.07% | 0.05% (stronger) |
| Return on assets | 0.60% | 0.86% (stronger) |
| Loans ÷ deposits | 57.6% (stronger) | 66.7% |
| Uninsured deposits | 5.4% (stronger) | 5.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Spokane Firefighters Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cheney Federal Credit Union leads on 2 and Spokane Firefighters Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.